Analisis Rasio Profitabilitas untuk Menilai Kinerja Keuangan PT Bank Amar Indonesia
Abstract
This research aims to analyze the financial performance of PT Bank Amar Indonesia using a profitability ratio approach. These ratios, such as Return on Assets (ROA), Return on Equity (ROE), and Net Profit Margin (NPM), are used to evaluate the bank's ability to generate profits from the various resources it owns. The research results provide an overview of the efficiency and effectiveness of bank financial management, as well as its ability to face challenges in the banking sector. This analysis is expected to provide useful insights for stakeholders in making strategic decisions. The digital transformation carried out, especially through service innovations such as Tunaiku, has had a positive impact on Amar Bank's financial performance. The use of cutting-edge technology and data analytics allows the bank to improve operational efficiency, expand its customer base, and meet the needs of people who are not covered by the traditional banking system.
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